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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹43,306 Cr on total income of ₹172,697 Cr.
Cost-to-income ratio at 54.5%. Provision coverage at 0.7% of income.
“Net profit of the bank for Q3 for FY 2026 stands at INR 5,100 crores as against INR 4,508 crores of Q3 of last year, depicting healthy YOY growth rate of 13.”
“For Q4, we expect our NIM to remain at the same level as that of Q3 despite full impact of December rate cut in Q4.”
“And so my other question was on ECL.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 12.5%▼ | 12.6% |
| Net Margin | 10.1%▼ | 12.3% |
| EBITDA Margin | 76.0%▲ | 68.7% |
| Debt To Equity | 11.45x▲ | 7.75x |
| Rev Growth 3yr | 16.7%▼ | 17.4% |
| EPS Growth 3yr | 66.1%▲ | 35.5% |
| NIM | 4.0%▼ | 390.0% |
| Cost To Income | 54.5% | - |
| Credit Deposit Ratio | 68.90x | 83.00x |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹89,241 Cr +2.9% | ₹86,757 Cr +13.4% | ₹76,516 Cr +32.5% | ₹57,742 Cr +18.1% | ₹48,874 Cr -9.0% | ₹53,683 Cr +48.5% | ₹36,156 Cr +2.1% | ₹35,416 Cr |
| Income on Investments | ₹34,736 Cr +7.7% | ₹32,241 Cr +10.5% | ₹29,187 Cr +10.5% | ₹26,402 Cr +7.9% | ₹24,471 Cr -3.5% | ₹25,347 Cr +57.5% | ₹16,094 Cr +10.1% | ₹14,622 Cr |
| ₹19,387 Cr +17.9% | ₹16,447 Cr +23.4% | ₹13,329 Cr +8.9% | ₹12,240 Cr +1.2% | ₹12,098 Cr -7.8% | ₹13,124 Cr +39.8% | ₹9,388 Cr +27.4% | ₹7,367 Cr | |
| Total Income | ₹1.50 Lakh Cr +6.7% | ₹1.40 Lakh Cr +14.8% | ₹1.22 Lakh Cr +23.5% | ₹99,085 Cr +12.2% | ₹88,339 Cr -7.0% | ₹94,991 Cr +47.7% | ₹64,306 Cr +8.1% | ₹59,515 Cr |
| Interest Expended | ₹87,490 Cr +8.4% | ₹80,704 Cr +17.8% | ₹68,534 Cr +32.3% | ₹51,817 Cr +10.7% | ₹46,823 Cr -7.8% | ₹50,805 Cr +37.3% | ₹36,997 Cr +6.8% | ₹34,656 Cr |
| Employee Cost | ₹21,027 Cr -2.4% | ₹21,549 Cr +15.6% | ₹18,643 Cr +24.8% | ₹14,943 Cr +24.8% | ₹11,972 Cr -2.6% | ₹12,297 Cr +74.2% | ₹7,060 Cr +0.2% | ₹7,048 Cr |
| Other Operating Expenses | ₹12,435 Cr +13.0% | ₹11,002 Cr +8.2% | ₹10,166 Cr +8.2% | ₹9,393 Cr +10.3% | ₹8,519 Cr +3.6% | ₹8,219 Cr +61.5% | ₹5,090 Cr +9.7% | ₹4,642 Cr |
| Provisions & Contingencies | ₹2,474 Cr +115.1% | ₹1,150 Cr -90.2% | ₹11,719 Cr -35.1% | ₹18,071 Cr +10.0% | ₹16,431 Cr -17.4% | ₹19,886 Cr +38.8% | ₹14,331 Cr -49.8% | ₹28,534 Cr |
| Total Expenditure | ₹1.21 Lakh Cr +6.8% | ₹1.13 Lakh Cr +16.3% | ₹97,343 Cr +27.8% | ₹76,153 Cr +13.1% | ₹67,314 Cr -5.6% | ₹71,320 Cr +45.1% | ₹49,148 Cr +6.0% | ₹46,345 Cr |
| Profit Before Tax | ₹26,458 Cr +1.6% | ₹26,053 Cr +95.4% | ₹13,332 Cr +174.2% | ₹4,861 Cr +5.8% | ₹4,595 Cr +21.4% | ₹3,784 Cr +357.6% | ₹827 Cr ↑ Recovery | (₹15,365 Cr) |
| Tax | ₹9,945 Cr +15.5% | ₹8,613 Cr +72.2% | ₹5,003 Cr +179.2% | ₹1,792 Cr +95.1% | ₹919 Cr -43.7% | ₹1,632 Cr +252.0% | ₹464 Cr ↑ Recovery | (₹5,338 Cr) |
| Net Profit | ₹16,514 Cr -5.3% | ₹17,440 Cr +109.4% | ₹8,329 Cr +171.4% | ₹3,069 Cr -16.5% | ₹3,676 Cr +70.8% | ₹2,152 Cr +492.4% | ₹363 Cr ↑ Recovery | (₹10,026 Cr) |
| Profit (Owners) | ₹17,790 Cr -3.7% | ₹18,480 Cr +102.9% | ₹9,107 Cr +172.0% | ₹3,348 Cr -13.3% | ₹3,861 Cr +50.7% | ₹2,562 Cr +484.3% | ₹438 Cr ↑ Recovery | (₹9,570 Cr) |
| Minority Interest | ₹85 Cr +17.6% | ₹72 Cr +44.8% | ₹50 Cr +383.5% | ₹10 Cr -78.0% | ₹47 Cr -64.7% | ₹133 Cr +185.3% | ₹46 Cr +131.4% | ₹20 Cr |
| Other Interest | ₹2,306 Cr +54.4% | ₹1,493 Cr +177.2% | ₹539 Cr -32.0% | ₹792 Cr +30.1% | ₹609 Cr -34.8% | ₹934 Cr +578.1% | ₹138 Cr -19.7% | ₹172 Cr |
| Profit Loss Of Associates | ₹1,362 Cr +22.4% | ₹1,113 Cr +34.4% | ₹828 Cr +186.2% | ₹289 Cr +25.0% | ₹232 Cr -57.3% | ₹542 Cr +345.9% | ₹122 Cr -74.5% | ₹476 Cr |
| Interest (RBI & Others) | ₹4,214 Cr +19.8% | ₹3,519 Cr +24.7% | ₹2,823 Cr +47.8% | ₹1,910 Cr -16.5% | ₹2,288 Cr +20.3% | ₹1,902 Cr -24.8% | ₹2,531 Cr +30.6% | ₹1,937 Cr |
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Punjab National Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulatio...
Punjab National Bank has informed the Exchange about Schedule of meet
Punjab National Bank has informed the Exchange about Newspaper Publication
Punjab National Bank has informed the Exchange that Record date for the purpose of Dividend is 13-Jun-2026.
Punjab National Bank has informed the Exchange regarding Notice of Annual General Meeting to be held on Jun 20, 2026
Punjab National Bank has informed the Exchange about Investor Presentation
Punjab National Bank has informed the Exchange regarding a press release dated May 05, 2026, titled "Financial Results for the Quarter and Year Ended 31st March 2026".
Punjab National Bank has informed the Exchange that Board of Directors at its meeting held on May 05, 2026, recommended Final Dividend of Rs. 3 per equity share.
Punjab National Bank has submitted to the Exchange, the financial results for the period ended March 31, 2026.
Punjab National Bank has informed the Exchange about Schedule of meet
Punjab National Bank has informed the Exchange about General Updates
Punjab National Bank has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Punjab National Bank has informed the Exchange about change in Management
Punjab National Bank has informed the Exchange about change in Management
Punjab National Bank has informed the Exchange about change in Management